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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Great credit card - simple & straightforward

Whole process was so easy from applying to getting card to getting limit increase. You feel in control of payments and decisions. Reviewed on: 26th January 2022

Excellent Support

They’ve supported me when I needed to make a start on rebuilding my credit. Easy to use credit card with easy access to online features to help me manage my balance. Reviewed on: 26th January 2022

Top card

Very good service and easy to use app Reviewed on: 26th January 2022

Amazing company

Great customer service, informative emails and communication first class service Reviewed on: 26th January 2022

Best credit card

Best credit card I’ve had low interest rates and easy to use app and also easy repayments Reviewed on: 26th January 2022

Excellent levels service

This provider has been excellent throughout my time with them, no questions is not answered in a timely manner. The app is great, I feel comfortable using their service and in control. Reviewed on: 26th January 2022

Not like the usual credit card companies

I was skeptical as never really heard of Zopa but after applying and getting my card I couldn't be happier with the service, the app is fantastic and very easy to use Reviewed on: 26th January 2022

Good all round

Simple and clear t&C's, Good starting limit, very good aftercare information. Reviewed on: 26th January 2022

Great

Excellent and professional service Reviewed on: 26th January 2022

Great service

Very helpful no hassle great service and they care about people Reviewed on: 26th January 2022

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